PCB Bancorp (PCB) Stock Price, News & Analysis

Company Overview

PCB Bancorp (NASDAQ: PCB) is a bank holding company headquartered in Los Angeles, California, that provides a range of commercial banking services primarily through its wholly owned subsidiary, Pacific City Bank. Founded in 2003, the company focuses on serving the financial needs of small to mid-sized businesses, professionals, and individuals, offering customized lending, deposit, and cash-management solutions designed to support growth and operational efficiency.

The bank’s core lending products include commercial real estate loans, commercial and industrial lines of credit, residential mortgage financing, and consumer installment loans. PCB Bancorp complements its loan offerings with a suite of deposit products, such as business checking, savings accounts, money market accounts, and certificates of deposit. It also provides advanced treasury and cash-management services, including online banking, automated clearing house (ACH) transfers, wire transfers, and merchant card services.

In addition to its Southern California footprint, PCB Bancorp has expanded its presence to key U.S. markets, with branch offices in New York City, Houston, and Seattle. The company supports international trade through letters of credit, import and export financing, and foreign-exchange services, catering to clients engaged in cross-border transactions and global supply chains. PCB Bancorp’s bilingual staff and community-oriented approach have strengthened its position among diverse business communities.

Since completing its initial public offering on the Nasdaq under the ticker PCB, the company has grown both organically and through targeted acquisitions. The board of directors is led by President and Chief Executive Officer Craig T. Lee, a banking executive with decades of experience in community and commercial banking. Under his leadership, PCB Bancorp continues to pursue strategic initiatives aimed at expanding its market reach, enhancing digital capabilities, and deepening client relationships across its service areas.

Key Stats

• Today's Range: $21.71 to $22.03
• 50-Day Range: $19.15 to $22.26
• 52-Week Range: $16.00 to $22.37
• Volume: 15,938 shs
• Average Volume: 31,279 shs
• Market Capitalization: $311.08 million
• P/E Ratio: 11.21
• Dividend Yield: 3.68%
• Price Target: $22.00
• Consensus Rating: Hold

PCB Bancorp Stock Analysis - MarketRank™

PCB Bancorp scored higher than 87% of companies evaluated by MarketBeat, and ranked 203rd out of 933 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.0 / 5
• Analyst Rating: Hold

Consensus Rating

PCB Bancorp has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no buy ratings, 2 hold ratings, and no sell ratings.

Amount of Analyst Coverage

PCB Bancorp has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 13.24%

Earnings Growth

Earnings for PCB Bancorp are expected to grow by 13.24% in the coming year, from $2.04 to $2.31 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of PCB Bancorp is 11.21, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.86.

Price to Earnings Ratio vs. Sector

The P/E ratio of PCB Bancorp is 11.21, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.20.

Price to Book Value per Share Ratio

PCB Bancorp has a P/B Ratio of 1.05. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.66% of the float of PCB Bancorp has been sold short.

Short Interest Ratio / Days to Cover

PCB Bancorp has a short interest ratio ("days to cover") of 1.9, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in PCB Bancorp has recently decreased by 3.31%, indicating that investor sentiment is improving.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Leadership

PCB Bancorp is a leading dividend payer. It pays a dividend yield of 3.62%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

PCB Bancorp has been increasing its dividend for 7 years.

Dividend Coverage

The dividend payout ratio of PCB Bancorp is 41.24%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, PCB Bancorp will have a dividend payout ratio of 34.63% next year. This indicates that PCB Bancorp will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 3.1 / 5
• Environmental Score: -0.60

Percentage of Shares Shorted

0.66% of the float of PCB Bancorp has been sold short.

Short Interest Ratio / Days to Cover

PCB Bancorp has a short interest ratio ("days to cover") of 1.9, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in PCB Bancorp has recently decreased by 3.31%, indicating that investor sentiment is improving.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: N/A

News Sentiment

PCB Bancorp has a news sentiment score of 1.89. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.94 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for PCB Bancorp this week, compared to 1 article on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, PCB Bancorp insiders have not sold or bought any company stock.

Percentage Held by Insiders

25.86% of the stock of PCB Bancorp is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 33.04% of the stock of PCB Bancorp is held by institutions.

PCB Stock Analysis - Frequently Asked Questions

How have PCB shares performed this year?

PCB Bancorp's stock was trading at $20.24 on January 1st, 2025. Since then, PCB shares have increased by 7.4% and is now trading at $21.74.

How were PCB Bancorp's earnings last quarter?

PCB Bancorp (NASDAQ:PCB) released its earnings results on Thursday, April, 24th. The company reported $0.53 earnings per share for the quarter, topping analysts' consensus estimates of $0.51 by $0.02. The business earned $26.86 million during the quarter, compared to analysts' expectations of $26.40 million. PCB Bancorp had a trailing twelve-month return on equity of 9.54% and a net margin of 14.81%.

When did PCB Bancorp IPO?

PCB Bancorp (PCB) raised $50 million in an initial public offering on Friday, August 10th 2018. The company issued 2,400,000 shares at a price of $20.00-$22.00 per share. Keefe, Bruyette & Woods (A Stifel Company) and RAYMOND JAMES, Sandler O’Neill + Partners served as the underwriters for the IPO.

How do I buy shares of PCB Bancorp?

Shares of PCB stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of PCB Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that PCB Bancorp investors own include NVIDIA (NVDA), Meta Platforms (META), Advanced Micro Devices (AMD), Netflix (NFLX), Broadcom (AVGO), Palo Alto Networks (PANW) and Tesla (TSLA).

Company Calendar

• Last Earnings: 4/24/2025
• Record date for 5/16 Dividend: 5/09/2025
• Ex-Dividend for 5/16 Dividend: 5/09/2025
• Dividend Payable: 5/16/2025
• Today: 7/13/2025
• Next Earnings (Estimated): 7/24/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHWEST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:PCB
• CIK: 1423869
• Web: www.paccity.net
• Phone: (213) 210-2000
• Fax: 213-210-2032
• Employees: 250
• Year Founded: N/A

Price Target and Rating

• Average Price Target for PCB Bancorp: $22.00
• High Price Target: $23.00
• Low Price Target: $21.00
• Potential Upside/Downside: +1.2%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.94
• Trailing P/E Ratio: 11.21
• Forward P/E Ratio: 10.66
• P/E Growth: N/A
• Net Income: $25.81 million
• Net Margins: 14.81%
• Pretax Margin: 20.82%
• Return on Equity: 9.54%
• Return on Assets: 0.96%

Debt

• Debt-to-Equity Ratio: 0.09
• Current Ratio: 1.06
• Quick Ratio: 1.06

Sales & Book Value

• Annual Sales: $191.91 million
• Price / Sales: 1.62
• Cash Flow: $2.10 per share
• Price / Cash Flow: 10.34
• Book Value: $20.66 per share
• Price / Book: 1.05

Miscellaneous

• Outstanding Shares: 14,310,000
• Free Float: 10,609,000
• Market Cap: $311.10 million
• Optionable: Optionable
• Beta: 0.56